Where your data lives
Everything you enter — debt balances, interest rates, minimum payments, your extra payment
amount — is calculated locally in your browser and saved to your browser's own storage
(localStorage), under a single key, dp.scenario.v1, purely so your
session is still there if you close the tab and come back. That data never leaves your
device. There is no database, no backend, and no account system on the other end to send it
to.
Share links
When you use the "Share this plan" button, your scenario is encoded directly into the URL
itself, after the # symbol — a "fragment." Browsers never send the fragment
portion of a URL to a server; it's handled entirely client-side, so even a shared link
doesn't transmit your numbers to us or to anyone else. Anyone with the link can decode it in
their own browser, but we never see it.
Analytics
We use Vercel Web Analytics to understand aggregate traffic — things like how many people visit and which pages are popular. It's cookieless: it doesn't use cookies, doesn't fingerprint your device, and doesn't track you across sites. It never includes the financial figures you enter — those stay in your browser.
Advertising
This site is supported by ads served through Google AdSense. To show those ads, Google and its partners use cookies and similar technologies. Specifically:
- Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites.
- Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and/or other sites on the internet.
- These ad cookies see the standard technical information any browser sends a website (such as your IP address, approximate location, and the page you're viewing). They do not have access to the balances, rates, or any other numbers you type into the calculator — that data never leaves your browser, so there is nothing there for an ad network to read.
You can opt out of personalized advertising in Google Ads Settings, or opt out of a third party's use of cookies for personalized advertising at aboutads.info. Visitors in the EU, UK, and Switzerland are asked for consent before any personalized-ad cookies are set, in line with Google's EU user consent policy.
Cookies, in one place
To summarize what lands on your device: our analytics are cookieless, and the only cookies this
site uses are the Google advertising cookies described above, set when ads are shown. We don't
set our own tracking cookies, and we don't build advertising profiles ourselves. (Your saved
scenario uses localStorage, described above — that's browser storage, not a
cookie, and never leaves your device.)
Changes
If anything here changes — a new analytics tool, a new feature that talks to a server — we'll update this page to reflect it honestly.